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Use the equity you've built in your own home to make home improvements, consolidate debt, and more. The interest you pay might even be tax-deductible.1

Key Features

Competitive Rates

Local Processing

Quick Decisions

  • Use your home equity to fund important expenses
  • Competitive fixed rates
  • Lower rates than credit cards
  • Fixed rates and monthly payments for easy budgeting
  • Includes biweekly payment options to save thousands in interest
  • Interest may be tax-deductible1
  • Discounted rates available when you make automatic payments from First Citizens Checking or Savings
  • Local decision-making and processing right here in Pennsylvania
  • Attentive, friendly service from start to finish
Check out our Home Improvement Calculator or Debt Consolidation Calculator

Before you drain your emergency fund, consider using the equity you've built in your home as a line of credit. Draw funds as you need them, and reuse without having to reapply. And you only need to pay interest on what you use.

  • Use your home's equity as a line of credit
  • Draw what you need, when you need it
  • Make a payment, then reuse without having to reapply
  • Competitive, variable rates
  • Lower than credit cards
  • Pay interest only on what you use
    • Interest may be tax-deductible1
  • Several convenient ways to access funds
    • Check
    • ATM
  • On-line transfer to your checking
  • Local decision-making and processing right here in Pennsylvania
  • Attentive, friendly service from start to finish
Check out our Home Improvement Calculator or Debt Consolidation Calculator

A First Citizens YourChoice Home Equity Line of Credit allows you to borrow what you need when you need it. Choose when to use it, and when to lock in a rate to protect yourself in a rising-rate environment. 

Flexibility

  • Funds can be used to satisfy whatever expense customers may have:
    • Home improvements
    • College education
    • Vacations
    • Debt consolidation
    • And more
  • No pre-payment penalties  

Competitive, Low Rates

  • Variable rate line of credit
    • Option to convert any balance to a fixed-rate loan and still have access to the remaining line of credit
    • As you pay the fixed-rate portion down, the available line increases
  • Usually lower rate than credit card or department store cards 

Convenience

  • Funds can be accessed in a number of ways:
    • Check
    • ATM
    • Online transfer to your FCCB checking
    • Overdraft protection on a FCCB checking account
  • Can have up to 3 fixed-rate locks at one time
  • Only one payment
Check out our Home Improvement Calculator or Debt Consolidation Calculator

Possible Income Tax Benefits

  • Interest may be tax deductible1

1Consult your tax advisor.